Ask The Medicare Guys

10/08/2026

Do you have a Medicare Advantage or Part D prescription drug plan?

If so, you should have received your Annual Notice of Change (ANOC) letter in the mail from your insurance carrier!

This letter is important because it outlines any changes to your plan’s costs, coverage, and benefits for 2027.

📅 Medicare’s Annual Election Period begins October 15!

If your current plan no longer meets your needs, the ATMG team is here to help! Give us a call at 903-647-9020, and we’ll be happy to review your options with you.

09/29/2026

Check out our latest blog post regarding the NEW GLP-1 Bridge program for Medicare! This is huge for people who did not qualify to get theirs covered through their drug plan.

Click to read more. We’re here to answer any questions.

Medicare's $50 GLP-1 Program: Who Qualifies for Wegovy, Zepbound, and Foundayo The Medicare GLP-1 Bridge lets eligible Part D members get certain weight management drugs for $50 a month through December 31, 2027. Here is who qualifies, what the $50 covers, and how to get started. Written by Madison....

09/03/2026

🚨 NEW PRODUCT ALERT

There's a group health plan that just came to our market, and it works differently than anything we've been able to offer self-employed people before.

Here's the part that surprises everyone: you don't need employees. Anyone with an LLC or EIN can qualify — and sole proprietors and the self-employed qualify too. Most group plans want two or three people on payroll before a carrier will even issue. This one doesn't.

What's in it:

🏥 Real major medical coverage — not through the government. Nationwide Cigna PPO network on every plan design, not just the expensive ones.

🔒 Fixed rates for employees and their families with rates, locked in through December 2027.

🩺 $0 preventive care. Annual physicals and screenings, at no cost to you.

📱 $0 teledoctor. No copay, no deductible to meet first.

📋 Six plan options — from a $0 deductible plan for predictable bills to a higher-deductible plan built for catastrophic protection. HSA-qualified option available.

And because it's a group plan, it enrolls year-round. No waiting until November.

Call our office today to get quotes. Costs you nothing either way!

📞 903-647-9020

09/02/2026

Sole proprietors and small business owners — this one's for you.

Most group health plans require two or three people on payroll before a carrier will even issue the plan. This plan works differently. It's available to groups down to one employee.

The eligible categories are broader than most people assume: sole proprietor, EIN holder, self-employed, or a W-2 employee sponsored by an employer. You don't need staff. You don't need a payroll minimum.

What's actually in it:
▪️ Nationwide Cigna PPO network on every plan design
▪️ $0 preventive care — annual physicals and screenings
▪️ $0 teledoctor
▪️ Six plan designs, from higher-deductible catastrophic protection to a $0 deductible option
▪️ HSA-qualified plans available

And because it's a group plan, it enrolls year round. No waiting until November, no qualifying life event needed.

Get access to more benefits for less cost. Finding out takes about ten minutes and it's completely free to speak with us.

📞 903-647-9020

08/28/2026

Mark your calendar. Medicare's Annual Enrollment Period runs October 15 – December 7.

It's the one window each year when you can:

✔️ Move between Original Medicare and Medicare Advantage
✔️ Add or change prescription drug coverage
✔️ Review what's changing in your current plan for the year ahead

Here's the part people miss: plans change every single year. Premiums, drug lists, provider networks. The plan that fit you last year may not fit you next year — and most folks don't find out until they're standing at the pharmacy counter in January.

So let's get ahead of it. We're booking annual reviews now, before the October rush hits.

Twenty minutes. No cost. No obligation. We're an independent brokerage, so we're not tied to any one carrier — we look at what's actually in front of you and tell you the truth about it.

📅 Book a time: [https://calendly.com/atmg-askthemedicareguys/30min]
📞 Or just call: 903-647-9020

08/26/2026

We're monitoring the Prescription Drug subsidies and changes for 2027. As of now, it looks like there will be a slight increase to premiums and annual out of pocket maximum. We will continue to update as they announce.

Millions of older adults on Medicare prescription drug coverage could face higher monthly costs in 2027.

08/26/2026

Ask most people what Medicare covers and they'll say “everything.” Then the first bill shows up.

Here's what Original Medicare does NOT pay for:

❌ Long-term care — the biggest gap, and the most expensive one. Medicare covers short-term skilled nursing after a hospital stay, not ongoing help with bathing, dressing or eating.

❌ Routine dental, vision and hearing — cleanings, glasses, hearing aids. Hearing aids alone can run several thousand dollars a pair.

❌ Care outside the U.S. — Medicare generally stops at the border. If travel is part of your retirement, this one matters.

❌ The remaining 20% — Part B pays 80% of approved costs. You're responsible for the rest, and there is no annual cap on it.

None of this is a secret. It just rarely gets explained BEFORE someone enrolls.

Knowing the gaps ahead of time is how you plan around them. That's a conversation worth having early.

📞 903-647-9020

08/24/2026

Part A, Part B, Part C, Part D. Medicare has more letters than a bowl of alphabet soup, and none of them come with instructions.

Here's the short version:

Part A — Hospital. Inpatient stays, skilled nursing after a hospital admission, hospice and some home health. Most people pay no premium for it.

Part B — Medical. Doctor visits, outpatient care, lab work, preventive screenings and durable medical equipment. This one carries a monthly premium.

Part C — Medicare Advantage. A private plan that bundles A and B into one, usually with drug coverage built in. It replaces Original Medicare rather than adding to it.

Part D — Prescription drugs. Sold separately. Skip it without other creditable coverage and you face a penalty that never goes away.

A and B together are what most people call “Original Medicare.” Everything after that is a choice — and the choices are where folks get overwhelmed.

That's the part we help with. No pressure, no cost to you, and we'll answer the question you're actually asking instead of the one we wish you'd asked.

📞 903-647-9020
🌐 askthemedicareguys.com

07/20/2026

"Madison was warm and friendly, totally sympathetic to my situation and got to work immediately on finding me a replacement supplement insurance."

A new Google review was posted!! Thank you, Elaine, for the kind words and trusting us with your Medicare coverage.

★★★★★

07/20/2026

In case you forgot who "Ask The Medicare Guys" is — here's the team and family behind the agency.

Ask The Medicare Guys started as a simple idea: insurance advice should feel like it's coming from family, not a call center.

That's exactly what you get. Madison, Jeff, Elijah, and Tommie — this is a family business through and through, and it shows in how we treat every client.

We're independent, which means we work for you, not one insurance company. We compare dozens of carriers across Medicare, health, dental & vision, life, group benefits, long-term care, and travel insurance — and it never costs you a dime.

If you've worked with us before, thank you for trusting us with something this important. If you haven't yet, we'd love the chance to earn it.

📞 903-647-9020
Ask The Medicare Guys — Honest advice. Real people. A family that has your back.